Mid-level extras cover with a substantial list of benefits, including generous dental and optical cover.
Extras cover with generous benefits and limits including 100% cover for two dental checkups~ per year (limited to an examination, fluoride and a scale and clean) and $500 optical limit every two years. You get to choose your extras healthcare providers – we don’t have preferred provider networks.
Please note that limits apply per person per year, except when otherwise stated.Limits reset on 1 January.
~ Checkups limited to an examination, fluoride, scale and clean where the fees are within the range of usual, customary and reasonable charges.
Important Information
Inclusions
Waiting period: 2 months
Diagnostic and preventative dental services including checkups, fissure sealings, bitewing x-rays, extractions, tooth whitening and simple fillings.
Checkups limited to an examination (items 011 to 017), fluoride (item 121), and scale and clean (items 111, 114 and 115).
Benefits paid100% of the cost of up to 2 checkups~ and fissure sealings, and fixed benefits for additional checkups and most other items.
Service limits apply for tooth whitening.
Total limit$1,600 combined limit
Waiting period: 12 months
Complex dental procedures including major dental restorations, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Lifetime limit of $1,600 for orthodontics accrued at $320 per year of membership.
Benefits paidFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of service
Waiting period: 2 months
Your choice of contact lenses or frames fitted with prescription lenses.
$50 benefit for optical repairs included in $500 limit.
Benefits paid100% of the cost
Total limit$500 every 2 years
Waiting period: 2 months
Prescription medication not covered by the Pharmaceutical Benefits Scheme (PBS) and immunisations, including those needed for travel.
Benefits paid85% of the cost covered above the PBS to a maximum of $40 per prescription (sub-limits apply).
Total limit$300 combined limit
Waiting period: 2 months
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
A limit of one of each test per person per year.
Benefits paid$60 per test
Waiting period: 24 months
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Limit: resets on the 1st January of the fifth calendar year following the claim.
One hearing aid repair $50 per year and one audiology test $40 per year.
Benefits paid$400 left hearing aid
$400 right hearing aid
Total limit$400 per ear every 5 years
Waiting period: 2 months
Joint and muscle movement therapy, education or advice for injury or disease management including individual physiotherapy, group physiotherapy and hydrotherapy but excluding class physiotherapy.
Sub-limit of $500 for physiotherapy.
Benefits paidIndividual: $50 first visit in calendar year, $35 per subsequent visit
Group: $20 per visit
Hydrotherapy: $20 per visit
Total limit$900 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Sub-limit of $500 for remedial massage and $500 for myotherapy
Benefits paid$40 first visit in a calendar year, $30 per subsequent visit
Waiting period: 2 months
Psychology and counselling services with a registered practitioner to assist with physical, emotional and mental health concerns to improve a sense of self and wellbeing.
Sub-limit of $700 for mental health services.
Benefits paid$100 per visit
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Sub-limit of $500 for occupational and $500 for speech therapy.
Benefits paid$50 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Sub-limit of $500 for podiatry.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit. $150 per pair for orthotics (up to 2 pairs per year).
Waiting period: 2 months
Services provided by a registered dietician focusing on the diet and nutrition, and their effects on health.
Sub-limit of $500 for dietetics.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Sub-limit of $500 for orthoptics.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Midwifery, pre-natal and/or post-natal classes or consultations including pelvic floor physiotherapy, breastfeeding consultations or parenting classes performed by a nurse, midwife or physiotherapist.
Sub-limit of $500 for pregnancy care.
Benefits paid$50 first visit in calendar year, $30 per subsequent visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Sub-limit of $500 for exercise physiology.
Benefits paidIndividual: $30 per visit
Group: $10 per visit
Waiting period: 12 months
Devices such as blood glucose monitors and CPAP machines, where the use of the item is recommended by a registered health practitioner for a health condition and the item was supplied within Australia.
Each non-consumable item can only be claimed once every 2 years.
Benefits paid75% of the cost. Sub-limits apply.
Total limit$500
Waiting period: 2 months
Treatments to manage a specific health condition diagnosed by a medical practitioner, who is not related to you.
For policies with more than one person insured (e.g., couple, family, and single parent), there is a policy limit of $400.
Benefits paid75% of the cost
Total limit$200
Exclusions
Home care (also known as domiciliary care, social care or in-home care) provided in the home by a registered nurse not already subsidised by any government agency.
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Things you should know
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
Wisdom teeth extraction and other dental procedures in hospital require both hospital cover (for hospital accommodation and anaesthetist costs) and Essential Extras or Total Extras (for dental surgeon costs).
Ambulance cover is not included in our extras policies but is covered in our hospital policies.
You might also be interested in Hospital Cover
Smart Starter Bronze Plus
Entry-level hospital cover with more inclusions than bronze level cover, designed for young singles, couples and families who aren’t looking for higher cover at this stage of their life.
Mid-level extras cover with a substantial list of benefits, including generous dental and optical cover.
Extras cover with generous benefits and limits including 100% cover for two dental checkups~ per year (limited to an examination, fluoride and a scale and clean) and $500 optical limit every two years. You get to choose your extras healthcare providers – we don’t have preferred provider networks.
Please note that limits apply per person per year, except when otherwise stated.Limits reset on 1 January.
~ Checkups limited to an examination, fluoride, scale and clean where the fees are within the range of usual, customary and reasonable charges.
Important Information
Inclusions
Waiting period: 2 months
Diagnostic and preventative dental services including checkups, fissure sealings, bitewing x-rays, extractions, tooth whitening and simple fillings.
Checkups limited to an examination (items 011 to 017), fluoride (item 121), and scale and clean (items 111, 114 and 115).
Benefits paid100% of the cost of up to 2 checkups~ and fissure sealings, and fixed benefits for additional checkups and most other items.
Service limits apply for tooth whitening.
Total limit$1,600 combined limit
Waiting period: 12 months
Complex dental procedures including major dental restorations, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Lifetime limit of $1,600 for orthodontics accrued at $320 per year of membership.
Benefits paidFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of service
Waiting period: 2 months
Your choice of contact lenses or frames fitted with prescription lenses.
$50 benefit for optical repairs included in $500 limit.
Benefits paid100% of the cost
Total limit$500 every 2 years
Waiting period: 2 months
Prescription medication not covered by the Pharmaceutical Benefits Scheme (PBS) and immunisations, including those needed for travel.
Benefits paid85% of the cost covered above the PBS to a maximum of $40 per prescription (sub-limits apply).
Total limit$300 combined limit
Waiting period: 2 months
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
A limit of one of each test per person per year.
Benefits paid$60 per test
Waiting period: 24 months
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Limit: resets on the 1st January of the fifth calendar year following the claim.
One hearing aid repair $50 per year and one audiology test $40 per year.
Benefits paid$400 left hearing aid
$400 right hearing aid
Total limit$400 per ear every 5 years
Waiting period: 2 months
Joint and muscle movement therapy, education or advice for injury or disease management including individual physiotherapy, group physiotherapy and hydrotherapy but excluding class physiotherapy.
Sub-limit of $500 for physiotherapy.
Benefits paidIndividual: $50 first visit in calendar year, $35 per subsequent visit
Group: $20 per visit
Hydrotherapy: $20 per visit
Total limit$900 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Sub-limit of $500 for remedial massage and $500 for myotherapy
Benefits paid$40 first visit in a calendar year, $30 per subsequent visit
Waiting period: 2 months
Psychology and counselling services with a registered practitioner to assist with physical, emotional and mental health concerns to improve a sense of self and wellbeing.
Sub-limit of $700 for mental health services.
Benefits paid$100 per visit
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Sub-limit of $500 for occupational and $500 for speech therapy.
Benefits paid$50 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Sub-limit of $500 for podiatry.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit. $150 per pair for orthotics (up to 2 pairs per year).
Waiting period: 2 months
Services provided by a registered dietician focusing on the diet and nutrition, and their effects on health.
Sub-limit of $500 for dietetics.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Sub-limit of $500 for orthoptics.
Benefits paid$50 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Midwifery, pre-natal and/or post-natal classes or consultations including pelvic floor physiotherapy, breastfeeding consultations or parenting classes performed by a nurse, midwife or physiotherapist.
Sub-limit of $500 for pregnancy care.
Benefits paid$50 first visit in calendar year, $30 per subsequent visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Sub-limit of $500 for exercise physiology.
Benefits paidIndividual: $30 per visit
Group: $10 per visit
Waiting period: 12 months
Devices such as blood glucose monitors and CPAP machines, where the use of the item is recommended by a registered health practitioner for a health condition and the item was supplied within Australia.
Each non-consumable item can only be claimed once every 2 years.
Benefits paid75% of the cost. Sub-limits apply.
Total limit$500
Waiting period: 2 months
Treatments to manage a specific health condition diagnosed by a medical practitioner, who is not related to you.
For policies with more than one person insured (e.g., couple, family, and single parent), there is a policy limit of $400.
Benefits paid75% of the cost
Total limit$200
Exclusions
Home care (also known as domiciliary care, social care or in-home care) provided in the home by a registered nurse not already subsidised by any government agency.
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Things you should know
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
Wisdom teeth extraction and other dental procedures in hospital require both hospital cover (for hospital accommodation and anaesthetist costs) and Essential Extras or Total Extras (for dental surgeon costs).
Ambulance cover is not included in our extras policies but is covered in our hospital policies.
You might also be interested in Hospital Cover
Smart Starter Bronze Plus
Entry-level hospital cover with more inclusions than bronze level cover, designed for young singles, couples and families who aren’t looking for higher cover at this stage of their life.
